Two cash-strapped criminals decide to plan a bank robbery using a hapless pizza boy named Nick. Nick is abducted and fitted with a time-bomb vest, giving him nine hours to do the deed. In desperation Nick turns to his former friend Chet, who is currently furious at Nick for sleeping with his sister. Chet gets entangled in the disaster despite his better judgment, and the two of them have to get past their differences if they want to steer clear of cops and hit men.